African bank

I have a credit card with African bank and I couldn't afford to pay it and I got myself into debt review, because the debt review company that I was with was only paying them less money I decided to stop using their services and then negotiated payment plan with African bank but now my balance is increasing instead of decreasing and yet they can see that I can not afford to pay anymore. Why can't they cut off the interest like Nedbank did and let me pay the original amount I've taken from them? Because now I don't see any difference on my credit card instead am errears and yet am paying every month.